If the problem involves a product that we don't regulate (such as fixed annuities and many equity-indexed annuities), you should contact your state insurance commissioner. Your state securities commissioner may also be able to help.

For problems concerning the management of the plan — such as money being credited to your account or being put in the wrong investment — be sure to complain in writing to the firm that is handling your account. You may want to send a copy of your complaint (or write a separate letter) to the school district that provides the plan and your state attorney general.